Is dental insurance always worth our cost? - All About Dental, Pet, Health and Motorcycle Insurance

Is dental insurance always worth our cost?

Meta: You need dental insurance, don’t you?  Whether caring for teeth and paying for dental check-ups are better or not? Check out our post to know more.

Introduction

While considering dental plans, the twice-annual dental check-up is similar to a certain expense, as same as your regular oil change schedule.

Dental insurance- who will need it
Also, dental extractions and fillings are similar to paying for a normal minor car repair bill. By the way, whether more extensive dental procedures are about the cost of getting new brakes for the car?

Here, you may wonder: Are budgeting for regular check-ups to take care of teeth, and spending your rainy-day savings on pricey procedures necessary as same as paying for other unexpected expenses?

You may need medical insurance to protect against the cost of an illness or accident treatment so pricey that you can be ruined financially.

How about dental insurance? Do you actually need it? Is it the best way to avoid most possible causes and expenses of dental problems? Those are interesting questions for us to discuss.

Dental coverage for children

Now, the ACA regards children’s dental insurance as an “essential health benefit.” Particularly, when you are getting health coverage for whom 18 or younger, this coverage must be available for that child as a separate plan or part of a health plan.

However, that process plays out differently than other essential health benefits (EHBs). Every exchange is required to provide dental services for children, either as a stand-alone dental policy or included in health insurance plans.

Furthermore, no requirement asks a family buy this coverage together with the health insurance.

Nevertheless, from what we piece altogether, “dental care” is included in the way that grants are priced. Consequently, it’s subsidized although a family can opt to spend the subsidy on a higher-benefit purely-medical program instead.

Dental coverage for employees

Here is the example of an employee while mentioning the dental coverage issue at his current employer.

Nearly 20 years ago, when he first started working there, his company didn’t provide him with any dental insurance. They suppose that dental care is predictable and also not a high expense, and thus, that type of insurance doesn’t make sense.

Some years later, his company agreed to offer dental, but not subsidize it. Why? Because they thought that their employees would rather they spent benefit dollars on medical subsidies.

And later, they would begin to subsidize that coverage in order to avoid issues related to anti-selection.

Now, after doing some calculations, he concludes that “basic” plan, which covers regular exams, routine fillings or X-rays, is cheaper than two dental visits each year of the self-pay basis.

In a word, he and other employees are still the anti-selecting customers. Anyway, their additional benefits barely make up for the premiums increase.

Dental coverage for the poor

A USA Today article shows that the consequences of lacking dental care may be substantial.

Having poor oral health can cause more than just bad gums and teeth. In some certain cases, untreated cavities can lead to infections. In other cases, patients may end up with their missing teeth since dental treatment is delayed for a long time.

Possible dental problems
Besides, many current dentists say that when poor people get dental care, uninsured people often select the cheapest package available. Also, Medicaid patients often select the covered and basic services such as extractions.

In addition, without having enough insurance coverage, patients also tend to ignore their dental issues until everything gets worse.

A report of the National Institutes of Health shows that 43.88% of people under the poverty line get untreated cavities. About 39.31% of those have incomes 100% – 200% of the poverty line and just 17.97% of those not below 200%.

Likewise, the rate of untreated tooth decay among black people is twice as much as white people, about 40.45% and 20.84%. What leads to all those?

The possible reason is patients are too poor to self-pay their dental expenses. Moreover, according to the 2016 NADP Consumer study, not having dental insurance is also another reason for which patients don’t tend to visit the dentist regularly.

Is dental insurance the matter? 

So for all those issues, do we call out that everyone should be more responsible enough to care for their teeth problems?  Or do we suggest that the government should pay for everybody’s dental care as too many people cannot self-pay themselves?

If we think carefully and deeply, we will realize that, ultimately, the real problem isn’t a matter of dental insurance although it is a good way to manage dental costs.

That is the matter of supplying government-paid dental care for low-income groups of people. Why?

Dental care should be noticed

Because in certain cases, they can try to do whatever it takes to have their car taken care of, even if that’s a payday loan, borrowing or item pawning, but they won’t treat the teeth as an urgent demand.

In other cases, they actually don’t have any money, and there aren’t any “dental stamps” for the cashless to pay in the same way as food stamps do.

In a word, in this event, it would be useful to take dental care into account and think about more predictable healthcare elements.

Conclusion

After all, dental insurance is not always worth our cost. It will depend on your detailed plan, your requirements and the cost of services available for you. Here, we had better pay much attention to dental care for better results.